Merrick, NY Car Insurance

On average, drivers in Merrick pay around $165 per month for their car insurance. Learn more in our handy guide below.
How much can residents of Merrick expect to pay for their car insurance? How does Merrick compare to the surrounding area and the rest of New York? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Merrick?

Area Average Monthly Car Insurance Premium
Merrick$165
NY$198
United States$80

Based on the above chart, auto insurance policies in Merrick are about $33 a month cheaper than in the rest of New York.

That being said residents of Merrick might expect to pay higher rates for coverage than the rest of the country. The cost of insuring a vehicle in Merrick is about $85 more expensive than the average rate for the rest of the U.S.

Bear in mind that while these are the average car insurance rates for Merrick, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.

We've done the heavy lifting for you and broken down the average rate for Merrick so that you can get a more accurate idea of what your policy will cost you. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$251
25-34$123
35-44$146
45-54$209
55-64$240
65+$68

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can lead to some serious savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may creep back up a bit in Merrick.

Average Car Insurance Rates by Gender

Gender Average
Male$169
Female$152

In general, female drivers pay less for car insurance than their male counterparts. The difference in average rates in Merrick totals about $17 a month. Based on the chart above, you can see that female drivers pay around $152 on average, while male drivers typically pay $169 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$240
Multiple Accidents$138
1 TicketNot Enough Data
Multiple Tickets$123

One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Merrick with a single accident on their record will usually see rates around $240 a month.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$188
2-3 Years$247
4-5 Years$110
6-7 YearsNot Enough Data
8-10 YearsNot Enough Data
11-14 Years$139
15 Years or Older$143

If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Merrick, with drivers paying around $63 per month for auto insurance coverage.

SUV drivers will see rates of about $194 to insure their car, while car owners typically pay around $163 per month.

Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Merrick, vehicles two-to-three years old and less than or equal to one-year-old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$163
Married$191
Divorced$149

On average, people who are married will pay slightly less for car insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Merrick, with married couples paying about $28 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$134
Rent$197
Live with parents$157

Another factor taken into consideration is your living accommodations. Drivers who own property in Merrick can expect to pay around $63 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.

Car Insurance Companies in Merrick, NY

Recent trends in car insurance for Merrick drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

Car insurance rates in Merrick declined from 2015-2018, when they reached a low of $111, but began to increase from 2019-2020. They finished down in 2021, at $67.

How does Merrick compare to neighboring areas?

Why are car insurance rates in Merrick different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

  • Total number of drivers in the community
  • Off-street parking access
  • Community laws
  • Crime rates
  • Road Safety (total number of local car accidents)

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Merrick?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Merrick.

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Merrick Insurance FAQs

What factors affect car insurance quotes in Merrick?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

Why is the cost of car insurance in Merrick different from other neighboring cities?

Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Merrick?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Merrick?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Merrick or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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